CPG_ROMG_Quiz

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Finance Knowledge Challenge

Test your knowledge with our comprehensive quiz designed for finance professionals. This quiz covers a variety of topics related to loan programs, collateral, and financial assessments. Whether you're brushing up on your skills or preparing for a certification, this quiz is an excellent resource.

Key Features:

63 detailed questions.
Focus on Enterprise loans, collateral covers, and compliance.
Multiple choice format to test your understanding.

63 Questions16 MinutesCreated by CalculatingLion237

In case of CA certified financials max limit can be proposed under Enterprise loan program ?

A) 10 Mn

B) 20 Mn

C) 4 Mn

D) 5Mn.

Applicant has provided Self-occupied residential land for OD limit under Enterprise loan, can same be accepted ?

A) Accepted

B) Accepted with NFA at RCH

C) Accepted with NFA at NCM

D) Not accepted.

Collateral cover for GSTOD programme for Industrial property should be

A) 180% - Industrial property

B) 180% - Self Occupied industrial property

C) 140% - Industrial property

D) 140% - Self Occupied industrial property

Borrower is wilful defaulter with HDFC bank, case can be processed ?

A) Yes

B) Yes with NFA-One level higher

C) No

D) Yes with NFA-Head CPG

In case of Enhancement under Vyapaar Loan @ 90% LTV, what is the minimum track with ICICI Bank is required ?

A) 6 Month

B) 11 Month

C) 12 Month

D) 24 Month

XYZ is partnership firm having proposed for Rs. 10 Mn of OD under Enterprise loan having proposed TOL/ATNW of 4.7 times then case can be processed ?

A) Yes

B) Yes with NFA-One level higher

C) Yes with NFA-ZCM

D) No

XYZ Pvt Ltd has applied for the limit of Rs. 10 Mn under EL has statutory dues of Rs. 12000, then case can be processed ?

A) Yes

B) Yes with NFA - ZCH

C) Yes with NFA - ZCM

D) No

ABC Pvt Ltd is engaged in Jewellery segment has applied for CC facility of Rs. 60 Mn. Applicant has offered Self-occupied residential flat of Rs. 40 Mn & vacant residential plot of Rs. 20 Mn. Can same be processed for limit of Rs. 60 Mn.

A) Yes

B) No

XYZ - proprietorship is dealer of mobile phone as well as FMCG products. Out of Total TOI, 45% is from Mobile phone & remaining is from FMCG product. Is XYZ will classified under Caution profile ?

A) Yes

B) No

Customer has provided sanction letter older than 18 months from existing banker. Bank Track is GTR -67. Same can be accepted ?

A) Yes with NFA-One level higher

B) Yes with NFA-Sanctioning authority as per CAAM

C) Yes with NFA-ZCH

D) Not accepted

XYZ has applied for limit of Rs. 20 Mn under RCLP. Score as per scorecard of RCLP comes 59, Can case be processed ?

A) Yes with NFA

B) No

XYZ - partnership firm is classified under PSL norms. What is the maximum tenor of DLOD offered under Vyapar Loan programme?

A) 36 Months

B) 84 Months

C) 24 Months

D) 60 Months

Can Agricultureal Land be accepted as collateral security?

A) Yes

B) No

C) Yes with NFA-RCH

D) Yes with NFA-Head-Retail Credit policy & NCM

In TBR, if any case name not available in ATR (Automated Track Record), TBR will be sanctioned at which level with manual ETR/GTR sheet ?

A) DGM – DGM from RBG & CPG

B) AGM – AGM from RBG & CPG

C) Product Head (DGM & above) from RBG & Policy Head (DGM & above) from CPG

D) Product Head (DGM & above) from RBG & Official from CPG (DGM & above).

In how many maximum days the entire process of CAL issuance, acceptance, receipt and corresponding documentation should be completed else sanction will be lapses.

A) 120 days

B) 150 days

C) 180 days

D) 110 days

In Term loan BT cases - When original invoice as provided to existing banker is not mandate for valiadation of end usage

A) Vintage with existing banker is 6 months or more

B) Vintage with existing banker is more than 6 months

C) Vintage with existing banker is 1 year or more

D) Vintage with existing banker is more than 1 year

Cover period of receivables consider for dp calculation can be increase more than 90 days but upto 180 days for BBB- rated borrower with approval of DGM business & Zonal Head from CPG.

A) True

B) False

In MOD, two technical valaution will be required when

A) Loan amount is more than Rs 20 mn in non metro locations & Rs 30 mn in metro locations

B) Property value is more than Rs 20 mn in non metro locations & Rs 30 mn in metro locations

C) Loan amount is more than Rs 10 mn in non metro locations & Rs 20 mn in metro locations

D) Property value is more than Rs 10 mn in non metro locations & Rs 20 mn in metro locations

In MOD cases, We are funding to Partnership firm M/s AB in which Mr A & Mr B are partners. Mr B is also partner in M/s CD & getting profit from M/s CD partnership firm. Whether we can consider proft received from M/s CD Firm reflected in Mr B ITR without taking corporate guarantee of M/s CD Partnership Firm.

A) Yes

B) No

Below properties can be accepted as collateral in MOD

A) Lease hold Industrial proeprty

B) Rented Industrial Property

C) Cold Storage Property

D) None of the above properties can be accepted as collateral in MOD

Maximum tenor for pre shipment + post shipment facility combinlly should not exceeds _________

A) 180 days

B) 270 days

C) 320 days

D) 360 days

Customer is having "Settlement" status with I-Bank in Liability products of the bank then whether it will be covered under Go-No Go parameters ?

A) Yes

B) No

In case Bank statements are more than 45 days old as on the date of log in CPG, Is there any NFA available and if Yes then which are the authorities ?

A) Sanctioning authority as per CAAM

B) No NFA allowed

C) One level higher as per CAAM

D) BLG/RBG (CMII or Above) and CPG (CMII and above)

Proposed exposure of client is Rs.54Mn and track of existing CC/OD account is PTR can we go ahead with case, select most preferable option as given below ?

A) Can merge track of CA and CC/OD account as per PTR exceptional Guidelines and go ahead

B) Require CRMG approval and PTR exceptional guidelines are not applicable

C) No-Go

D) Can sign off via BLG/RBG Zonal Head (AGM or Above) and CPG RCH (CMII and above)

Customer is having business of Polutry Farming having vintage more than 5 years, can we fund the captioned customer?

A) Yes

B) No

C) Yes, With NFA at sanctioning authority as per CAAM and limit upto Rs.10Mn

D) Yes, With NFA at one level higher authority as per CAAM and limit upto Rs.10Mn

ABD Ltd is trader and first time borrower. It has applied limit of Rs. 30.0 Mn. Can it be sanctioned under Vyapaar Loan Program?

A. Yes

B. No

C. Yes with NFA

D. Only Rs. 15 Mn can be sanctioned

Which of the following profile falls under Negative profile for funding?

A. Placement Agencies

B. Courier Companies

C. Real Estate Agents

D. All of the above

In which of the following programs vacant Land is not acceptable as collateral?

A. Enterprise Loan

B. Vyapaar Loan

C. Agri Credit Line

D. Enterprise credit

As per property guideline, which property covered under Negative property Category A?

A. Schools/Hospitals/Hotel

B. Rented Industrial property

C. Industrial Land

D. Lal dora properties

ABC Limited has applied for Rs. 50 Mn CC under Enterprise Credit Program. Is stock audit required to be conducted for ABC limited.

A. Yes

B. No

What is maximum tenure for which DLOD can be given under Enterprise Loan Program?

A. 36 months

B. 60 months

C. 72 months

D. 48 months

Which of the property is not to be taken as collateral in case of MOD for loan against specialized properties?

A. Banquet halls/Marriage halls

B. Nursing homes having 40 beds

C. Warehouse property

D. Marriage gardens with constructed area covering atleast 20% of land portion

Client has vintage of 3 years with ICICI Bank, and now approaching for enhancement in limit with collateral coverage of 111.11% in Vyapaar loan under which authority NFA is available?

A. ZCH from CPG and RH from RBG

B. Not available

C. RCH from CPG and RH from RBG

D. One level higher as per CAAM

ABC Limited has debtors of Rs. 50 Mn, bifurcation as follows : Rs. 42 Mn less than 6 months and Rs. 8 Mn over 6 months. Out of total debtors of Rs. 42 Mn less than 6 Months there are debtors worth Rs. 3.5 Mn which are more than 90 days old. Further client is having stock of Rs. 20 Mn and creditors of Rs. 15 Mn. Calculate Drawing power considering Margins of 25% on stock and book debts.

A. Rs. 32.625 Mn

B. Rs. 41.25 Mn

C. Rs. 35.25 Mn

D. Rs. 43.875 Mn

In case of Delay in interest/EMI more than 59 days but less than 89 days in term loan in BLG cases, As per exceptional guidelines for ETR/GTR NFA can be obtained at which level?

A. DGM and above

B. AGM and above

C. RCH or above

D. None of the above

Under MOD program, Unsecured loan availed from various NBFC is not to be included while calculation of FOIR?

A. Loan with less than 12 Emi pending

B. Loan proposed to be closed prior to disbursement

C. Both A & B

ANC limited has applied for limit of Rs. 25 mn and has Provident fund liability of more than Rs. 10000 outstanding. NFA for the same can be approved at

A. ZCM or above

B. ZCH or above

C. Sanctioning authority

D. DGM or above

Collateral coverage required for Rented residential property under multiple banking in GST OD Program

A. 125%

B. 150%

C. 200%

D. 180%

Collateral coverage required for Rented residential property under multiple banking in GST OD Program

A. 125%

B. 150%

C. 200%

D. 180%

Maximum Limit based on CA certified financials under EL/Jet OD that can be funded?

A. Rs. 2.5 Mn

B. Rs. 4 Mn

C. Rs. 5 Mn

D. Rs. 10 Mn

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